A Funny Way To Get Rid Of Phone Collectors, And It Works!!!

That is an excellent way and it actually works. Just be careful and make sure your laws allow conversations to be recorded.

That's a great idea craig I have got to try this out. I like finding ways to keep CA's uneasy.

Great idea, I will have to try it! Thanks.

Hi all,

Just to expand on what Tammy said, here is a list of states and what they allow as far as recording conversations is concerned:

States Requiring One Party Notification

Alabama
Alaska
Arizona
Arkansas
Colorado
District Of Columbia
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Minnesota
Mississippi
Missouri
Nebraska
Nevada
New Jersey
New Mexico
New York
North Carolina
North Dakota
Oklahoma
Oregon
Ohio
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
West Virginia
Wisconsin
Wyoming

States Requiring Two Party Notification

California
Connecticut
Delaware
Florida
Massachusetts
Maryland
Michigan
Montana
New Hampshire
Pennsylvania
Washington

Be sure to keep these things in mind if you do decide to actually record the conversation. Be safe and know your laws!!

~Mary :)

LOL!!! Craig that is hilarious!!!!

Good work Mary, keep it up :D

This is just a trick to stop collectors, however, you should also send cease comm. if you really want them stop calling you. It will give you legal support as well.

Anyway, good post Craig :D Keep watching forums.

Thats pretty good.
But I have a better way to stop the collections calls, try paying your damn bills
HAHAHAHAHAHAHAHAHAHAHAHA

Here we go again!

I think his point is that this is basically a bluff. by pushing the intercom button, that changes the tone and sound quality of the call. Then by advising them they are being recorded (when they in fact are not), will cause them to hang up to avoid being recorded rather than finish the call.

Another technique is to get caller id and an answering machine you can use to screen your calls. Any phone number that comes across the caller id (including things that say "out of area" or have a phone number that's all nines or all zeroes), just let them talk to the answering machine. If it turns out to be someone you want to talk to, just pick up the phone.

Usually you have the right to record all incoming calls into your home without prior knowledge. This is allowed to catch harassing callers, and that's why the tap was invented. However, calling out while recording requires the other parties knowledge.

But better check with your state laws, just to be sure.

why dont you just pay your debts instead of trying to play games? this just gives collectors the idea that we as debtors simply want to dodge their call and avoid our responsibilty. it isn't fair to borrow/retain services or good and refuse to pay them back. it's is one things to be unable to pay them back and it is another to simply play games and avoid it all together. please grow up, for your own sake. thank you

Alright, it's time for me to do some mediating in this forum!

Veronica and HAHAHAHA, please have a look at the rest of this forum and you will see that the debtors in this forum are considerably wounded by corrupt collectors who insult them, and threaten to do things that won't happen. This forum is called debt consolidation Care, the people here are not deadbeats, they Care about Consolidating their Debt. They are not here to hide and be irresponsible.
Don't get me wrong, I know where you're coming from since I collected defaulted student loans. I remember the frustration of trying to build rapport with people on the phone, only to have all sorts of nonsense language spat in my direction, hung up on, had fax tones blasted into my ear, and you know the rest. But, these people are not deadbeats, they are like I stated earlier, wounded. How can they trust someone who violates the fdcpa? Would you?

Tammy, Craig, Mary, Stanley, please don't take the washing of their dirty laundry with anything more than a grain of salt. It is not personal, I assure you. I remember the frustration they are venting here, except I've used my knowledge for good, as I hope they will. If not, they can wash their dirty laundry in another forum. They don't know you from Adam.

Peace everybody,

Ari

Hi Ari,
No where did I state that anyone here is a deadbeat. I have used this site numerous times to gain useful information that I truly appreciate. It is one thing to use knowledge and put it to good use but to purposely come up with tricks to avoid facing responsibility isn't good. I'm not saying that collectors shouldn't follow the law, they should but we should also take responsibilty for our actions, and instead of coming up with schemes how about we come up with ways to pay for our debt or simlpy communicate more effecitvely with our creditors. Just a thought, I'm not trying to be mean or hateful, trust me I'm in the same boat. I just know running only last for so long. Thanks

sorry that last post was mine. thanks

It's cool, I'm glad you came forward with that. I also agree with you, when it comes to the exchange between a collector and a debtor, it should be courteous and professional. No games, no lies or threats, and no four-letter words. I do agree that when it comes to calls from the law-abiding collectors, the debtors should step up to the plate.

I think that overall, the relationship between collectors and debtors is a tense one. It's why we're all here. I've spent the first part of my membership here trying to convince everyone that there are good collectors and agencies. They know this.

It would be nice for you to join us as a member. You will earn money while you gain useful information, provide useful information, share your experiences, and make many new friends as I did. You would make a good moderator!

Best,

Ari

A call from a collector is never courteous, unless you have money to pay in full.

Well, it's funny because if these companies were actually following the fdcpa, this little plan wouldn't work, because they would have nothing to be scared of...therefore they should have no problem with you recording the calls.

Ari and Veronica,

See you always return to the same point, the same slogan ??? our fight it against those who break the laws, we never support consumers who run away from their responsibility. I know how much supportive you were with your consumers Ari.

I also agree with Veronica. Avoiding responsibility is not good. That is the reason I talked about cease comm. letter in my post, if you have read. IMO, one should always follow the legal path, tricks are good ??? but can never give you the support that law can.

Quote:

Can you call this a bill? Someone loans out for $300 and pays $30 on each hundred for 4 months. So they have paid $720 for their $300 loan.

Then they default and start getting calls "you owe us $300 + $90 + NSF fees".

Why not just call it quits, or accept something smaller. This person defaulted because they could not pay back $300 + interest and had to keep extending. You already got $720 out of them which is way more than the original amt. This is why people have issues with these places. We already gave your company quit a profit so why the harrassment?

"We already gave your company quit a profit so why the harrassment?"


Hold on! Have I ever sympathized with payday loan lenders? Have I not been calling them charlatans? Did I not leave a job where they were collected? Did I not state earlier:
Quote:

Why would a collector have a problem with being recorded if they were following the law?

They wouldn't. I could have cared less back up North, in fact, it would have made me look better. Sadly, Massachusetts law prohibits recordings on both sides. It's the ones who DO break the law that care because they know they either have to clam up or be caught with their pants down.

When I was a cop, I really liked the on dash video camera. It made my job a ton easier. Honest people don't mind being recorded, either video or audio.

That's absolutely right! Why aren't you in law enforcement anymore? If you don't mind my asking...

Quote:

A-ha! That makes perfect sense! I didn't know you were a mom! How many kids? Any pets? I'm jealous of your vet clinic job! I just love animals, especially cats!

One son - 21 months. Two German Shepherds, one Akita, one Chihuahua and two cats.

BTW, I have family in your neck of the woods... in Pace.

Stan,

I agree with you one hundred percent. I came here looking for help in paying off my payday loans. I was so caught up in the cycle that I didn't know where to turn. I had heard horror stories and actually thought that they could throw me in jail for writing a bad check. I didn't know any better at the time. Now, I know the difference because of the good people in this forum. I will say I've had one collection agency who has actually followed the laws and my requests. This is a CA who works for a payday loan company. They sent me the validation that I requested simply by a phone call. I didn't have to send them a certified letter. They respected my wishes not to call me at work. I told them I would be happy to talk to them away from my job. We've done so and they've been fine with it. They are a lot easier to deal with than the original payday lender. I've since disputed some of the charges from the original payday lender through this CA. On the other hand, I've been screamed at, harassed, called a dead beat, a liar, a thief, going to be sent to jail, and one guy had the nerve to tell me that I had no rights. So it's been one CA out of many who has been kind enough to listen to me and we were able to work something out with the help of my debt consolidation company. I agree that it comes back to the point of following the laws. No lender or creditor has the right to harass the consumer. I don't start out yelling at a collector but I won't lie and say it hasn't happened after I feel like I've hit a brick wall. I can honestly say it has not been the best approach on my part. I feel like once I get the call the best approach is to send the debt validation request with the cease and desist tied into it. But I wanted to let people know that I have dealt with one CA who has been kind and followed the laws. The other 99 % have not and this forum has useful information in dealing with them.

A baby! Two cute kitties! And I think German Shepherds and Akitas are very handsome dogs! Is your chihuahua your little pocket-book pet? Like Paris Hilton's chihuahua? :wink: :D

Pace is just on the outskirts of Pensacola, perhaps I've unknowingly crossed paths with them! :)

Does your husband work with K-9 on the police force or do Schutzhund training? I have seven shepherds myself.

Holy Christmas! What a menagerie!

Well five of them are pups, I had eight but we sold three over the past week.

Oh! Are you a dog breeder? Or just housebreaking your pet's babies?

Quote:

Five and a half pounds is the size of a small cat. Taquita is a pocket book pet! You probably don't carry her around as such though. So, you had a miracle baby?

Must be nice to come on a forum and act like you don't have debts. Most americans do....You must have alot of time on your hands..To answer your questions about not being able to pay back my debts is Iam handicapped and before I got that way I paid my bills...Best be careful and know someones situation before you go running your mouth. I think these two are just wanting attention.. If they want Attention all they have to do is pay my bills for me I wouldnt mind.

The one thing about these forums that I cannot stand is the way that the debtor makes themselves out to be the victim. That is becoming one of the major problems in this country today is the way people want to blame others for their problems or dodge their responsibilies. *sniff* *sniff* "the collector called and was rude to me, he threatened me, I was scared...." BOO HOO. Of course laws have to created to protect the ones that dont want to pay their bills. Why not find a way to wrap collection protection in with the welfare system? They are pretty much one in the same.

The funny thing is I am not even a collection agent. I have nothing to do with debt collection. I was sent this forum by a friend of mine who figured I would get a kick out of it. It turns my stomach. I think if we got back to the days of bill collectors showing up on your doorsteps, we would be a much stronger country. People would have to learn to take responsibility for their actions, and not hide behind some B.S. law, recorder, or whatever tactic is the newest.

I have debt. I have a family, but I take care of my responsibilities. If you owe more than you make....get a second job. Payoff your credit cards and quit shopping. Go home on weekends instead of spending the money you should pay your bills with at the bar. GROW UP. BE ADULTS. STOP RUNNING. BUT ABOVE ALL STOP CRYING ABOUT DEBT THAT YOU OWE.

No one on this forum has ever said they are dodging their responsibilites, and not a one of us is blaming anyone else for our debt problems. The laws were written to protect us from illegal means of the collection industry. Must be real nice to have the perfect life and never have anything unexpected happen. I am really getting tired of people coming into this forum and bashing us when they have no idea in the world why we are in the position we are in. If you have nothing constructive to say, pick somewhere else to put your comments.

Quote:

Thank you, Ari. We are here to figure out a way to PAY our debt, not to dodge it. Some people are lucky and don't run into medical situations, layoffs, etc. and they manage their debt just fine. The rest of us are doing our best. Thanks for defending the forum Ari!! *hugs*

~Mary

No one understands lifes little curveballs better than me. But if you are not trying to hide from your problems than why post a forum on how to stop collections calls? If your are consolidating debt than the collection calls should be ceased. Right? I mean that is what is done here, you get your ass in deep trouble financially so you run to a debt consolidation place and make "arrangements" for $25 a month or whatever bullshit amount you want to pay. So the people you borrowed from or received services from are out their money for months, b/c all you want to pay is $25/month.

If you think I have it great, or that I am on the outside looking in let me explain something to you about sacrifice. I had a job making $85,000/year. I had a $200,000 house, new car and of course credit cards. I lost everything from several different reasons. I had 30,000 worth of credit card debt. I took a job making $32,000/year. lost my house and my car. I use enough money to pay rent, gas, and food. EVERY LAST DIME is sent to my debt.

Why is it that so few make this type of sacrifice. You have to give up your personal life, you must sacrifice certain personal freedoms in order to resolve your debt. YOU DO NOT GO ON A WEBSITE AND CRY THAT SOMEONE HAS BEEN MEAN TO YOU. YOU OWE THEM MONEY GOD DAMN IT. I PRAY TO GOD ONE DAY THAT THE POLITICIANS THAT PUT THESE IGNORANT LAWS IN PLACE PULL THEIR HEADS OUT OF THEIR


****. They should outlaw bankruptcy (another cop-out). AMERICA WAS NOT BUILT ON FINDING THE EASIEST WAY AROUND EVERYTHING. After reading these types of forums I understand why so many other countries can't stand us. Look what Americans have become. Hiding behind laws, b/c the big bad man (that we owe money to) is telling us all sorts of awful things. If I was the collector I would just start breaking legs.

GOD BLESS AMERICA

[color=Red]****Adult term removed - Jason[/color]

ha,ha,ha,ha,ha,ha,ha,ha,ha,ha,ha,haaaaaaaaaaaa!if you dont like see justice and people that really cares about people,go away ha,ha,ha,ha.....other thing bad debt collectors need to be stop and people like you too.

You must be retarded. I hope you are not referring to me personally when you speak of "hiding" from my problems. Some people need to know how to get collectors to stop HARASSING them. Some people need to know the right way to ask a collector to stop calling them at work so that they can keep their job and PAY THEIR DEBT. Kinda hard to do without a job. I am trying to pay everything off that I can BEFORE I consolidate. I am doing everything I can on my own.

Do you think I'm living the high life right now? You think I'm dodging my debt and blowing my money on crap? I barely have enough clothes for my kids. I definitely don't have enough clothes for myself. Just like I don't know your situation, you don't know mine. Trust me, I am doing everything I can to pay off my medical bills. I WANT a clear credit report so that I can provide the best things for my kids. Do you think I don't know that is important? Why do you think I am here, asking about validation letters and the best way to handle things? It isn't my fault that I have been in serious accidents and had serious medical problems. I didn't ask or wish to be put into this situation.

Trust me, I am making the sacrifices necessary to pay my debt. My kids are 2 and 3, they have been to Disneyland once, only because I won free tickets at work. I don't buy them clothes at Baby Gap, I get hand-me-down clothes.

Don't come on here and **** spout off when YOU are the one who has no idea what is going on. Most of us are trying to find a way to avoid bankruptcy. It is

****like you who drive this country down, not the politicians. You need to pull your head out of YOUR ass and have a little respect for people who are worse off than you.

[color=Red]****Adult term removed - Jason[/color]

Don't start bashing the Americans. We all bleed red and we all have had hard times. Everyone here in the forum has sacrificied alot! If it wasn't for this forum, my marriage would be over, we wouldn't have a dime to our name, ffod on the table, or a roof over our head!!!

Yes, I do breed shepherds with my ex-husband. How odd is that? LOL! Like it's been said, no one is trying to dodge their debts. I accept full responsibilty for my situation. I never denied that. I came here seeking help and that is what I have found. This forum is a very positive environment and we help each other. These "guests" seem to be the ones hiding and making the negative remarks. If you don't like the so called whining as you state, then go elsewhere. People here are trying to pay their debts without being ILLEGALLY HARASSED.

Alot of these debts are fraudulent attempts by collectors to scam money Mr HAAAAAAA. Pay attention to what youre reading.

Not to mention that medical bills are not the same as cell phone or sports car loans. You dont sign up for an accident or disease...

I think perhaps this threat was intended to be a bit of comic relief, you know whats good fo rthe goose is good for the gander.....But as often happens things are taken seriously (which is no surprise since peolple come here with serious problems, seeking serious help).

It kind of like.. what if you could call a telemarketer at their dinner time? (sorry Ari, I don't mean you.. you can call me at dinner),heheh

Anyhow, 'nuff said